"Efficient service. Flexible criteria with a competitive rates. Will use again"
For your residential clients with extra-ordinary circumstances, we are here to help you get them a mortgage.
We’re delighted to help self-employed workers, recent job changers, unusual income earners, clients with credit blips or other credit score declines, and first-time buyers.
We’ll aim to accept a wide variety of your clients’ income sources to maximise their borrowing power, and can offer them a comprehensive product range, with flexible criteria.
We have now made it easier to progress your residential cases to offer. Discover the changes we have made.
Useful guides
Resi calculator
A case to place?
"Efficient service. Flexible criteria with a competitive rates. Will use again"
Graham Morris, Finance Planning Mortgage & Protection Solutions
“Common sense lending, not tick box, would definitely use again and thoroughly recommend.”
Rachel Lummis, Xpress Mortgages
“Excellent support & service from the team at Foundation! So refreshing to work in partnership with a lender who values brokers as well as clients!”
Kim McGinley, VIBE Finance
“This was the first case I placed with Foundation and found them to be very good and reliable! The service from David Wheatley the office BDM was particularly good.”
Claire Taylor, Protego Mortgage Planning
“Excellent support & service from the team at Foundation! So refreshing to work in partnership with a lender who values brokers as well as clients!”
Kim McGinley, VIBE Finance
All defaults and CCJs must be satisfied irrespective of when they occured, unless otherwise stated
All CCJs must be fully satisfied at the time of application
Defaults within the last 36 months are considered but only where the cumulative value is below £250 and relates to mail order, comms and utilities
Worst status of 2 per account in the last 36 months with 0 in the last 12 months
None registered against any borrower
All defaults and CCJs must be satisfied irrespective of when they occurred, unless otherwise stated
1 unsatisfied (if older than 24m) to the value of £200 otherwise must be satisfied at application
Defaults within the last 24 months are considered but only where the cumulative value is below £250 and relates to mail order, comms and utilities
Up to date on application Worst status of 2 per account in the last 24 months
Up to date on application Worst status of 1 per account in the last 24 months
None registered against any borrower
All defaults and CCJs must be satisfied irrespective of when they occurred, unless otherwise stated
1 unsatisfied (if older than 12m) tot he value of £200 otherwise must be satisfied at application
Defaults within the last 12 months are considered but only where the cumulative value is below £250 and relates to mail order, comms and utilities
Up to date on application Worst status of 2 per account in the last 12 months
Up to date on application Worst status of 2 per account in the last 24 months
Bankruptcy discharged or IVAs satisfied 3 or more years ago are considered